Can I get a mortgage with a a foreclosure and bankruptcy?

Yes, but it also depends on how long ago that took place, what the credit looks like now, and what purchase price and down payment you have in mind.

The short answer is yes.. but every loan product has a mandatory waiting period after a derogatory event.. Also, if your home was not in foreclosure before you filed BK, then you would be subject to the shorter waiting period for BK vs. Foreclosure.. Also, if your derog is still inside the conforming loan guidelines mandatory waiting period, I have loan options where you can purchase 1 day out of BK or Foreclosure.. You need a large down payment and the rate is not as low as a conforming loan, but there is an option out there for you.. Feel free to call me.. i'd be happy to look at your complete loan profile and advise you.. contact a mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Yes... eventually that is. There are automatic mandatory waiting periods before you can get a new mortgage loan in the traditional market after major negative events like a foreclosure or bankruptcy. Contact a local mortgage broker in your area. Talk to them about your situation, and they can zero in for you if you can do it today based on your situation, or if you have to wait awhile. For this situation in MN, WI, and SD, visit me at www.StPaul-Mortgage.com